[WelshBluebird]

Quote:

Originally Posted by lamby

Unless your a baby face like me and need ID for booze!

And even that could be a problem of the past soon enough!

http://www.bbc.co.uk/news/technology-36302214

[Synthetic42]

Sounds even easier to fake...

[mossy2103]

Quote:

Originally Posted by ASIFZED

Actually, your device doesn't need unlocking for a contactless payment. It just needs to have the screen awake for a few seconds or so, whilst touching the reader. I've used my S6 for a number of purchases since Android Pay launched, all done whilst locked and by pressing the power button, which lights up the screen for about 10 secs or so. Absolutely no problems whatsoever.

Tried my Nexus 4 (in a leather case) and my MBNA credit card this morning at Morrisons with no problems, and as you say, I only needed to waken the screen for it to work. Vibrated too when the transaction went through.

Quote:

Originally Posted by dslrocks

Just need to wait for other retailers to catch up, in Sainsbury's and more rural branches of Tesco, people are still bashing in their PINs like it's 2004.

Yes, Sainsburys really do need to get their technology sorted out, no contactless payments at my store (and they only replaced the self-serves late last year). Tesco accept contactless, but oddly enough my latest Tesco credit card (issued only last year) is not a contactless one.

Needless to say, neither Sainsburys Bank nor Tesco Bank has signed up to Android Pay yet, so the two cards that I would really value on Android Pay can't be used.

Quote:

Does Android Pay always require a network connection to function? Or can it work fine without reception/wifi?

I used mine with data turned off - went through fine.

[DazerUK]

I had an e-mail from TfL regarding the use of Android pay on the tube.

Refers to this web page

https://tfl.gov.uk/fares-and-payment...nt/android-pay

When using Android pay (and I guess Apple pay) on the their network, you also need to make sure you have enough battery on your phone for the whole journey.

Make sure you have enough battery

Your phone must be switched on to use it to travel. You should also check that you have enough battery on your phone to complete your journey. If you don't and:
• The battery runs out during a rail journey, you won't be able to touch out at the end and could be charged a maximum fare
•An inspector asks you to touch your phone on their reader, it won't be able to be read and you could be liable for a penalty fare

[LostFool]

Just set this up with my HSBC Advance debit card on my Moto X and it was a really simple. I don't think I'll use it very often but it's a handy backup if I forget my wallet. I left it on my office desk once and didn't realise until I was at the supermarket checkout that evening - which was very embarrassing.

[jonmorris]

Quote:

Originally Posted by DazerUK

I had an e-mail from TfL regarding the use of Android pay on the tube.

Refers to this web page

https://tfl.gov.uk/fares-and-payment...nt/android-pay

When using Android pay (and I guess Apple pay) on the their network, you also need to make sure you have enough battery on your phone for the whole journey.

Make sure you have enough battery

Your phone must be switched on to use it to travel. You should also check that you have enough battery on your phone to complete your journey. If you don't and:
• The battery runs out during a rail journey, you won't be able to touch out at the end and could be charged a maximum fare
•An inspector asks you to touch your phone on their reader, it won't be able to be read and you could be liable for a penalty fare

Also, because of the token based system, you can't switch from phone to card, or phone to phone, even if it's all the one and same card/account. TfL can't match them up, even if the bank does.

[NathDogg]

I've tested this a bit more on my galaxy s6 today. It appears that only the screen needs to be awake to make a purchase. My screen was awake, but the phone was locked and payment went through successfully.

I was always under the impression that this would be like apple pay, being that each transaction would need to be authenticated with a fingerprint or pass code.

So if you do happen to lose your phone, someone could potentially make purchases before you realise.

[Brian The Dog]

So no more or less secure than a contactless card then.

So all we really need is a contactless card emulator app for both Android and iPhones and there would be no need for anything else.

Just get the phone to send the same details that your contactless card already does and if your bank issues contactless cards (so nearly everyone) you wouldn't need to wait for your bank to join in with Android Pay or Apple Pay.

[sethpet]

Quote:

Originally Posted by Broken Hope

It's not Barclays or any other banks job to tell me how I can spend my money.

They brag about having the latest tech, being the first to support contactless etc

Then they actively try not to support payment methods that are becoming standards.

How much have they spent developing and marketing bPay when they could just support Apple/Android Pay like banks such as Lloyds and building societies like Nationwide.

Barclays are adding NFC payments to their own mobile banking apps

[NathDogg]

Quote:

Originally Posted by Brian The Dog

So no more or less secure than a contactless card then.

So all we really need is a contactless card emulator app for both Android and iPhones and there would be no need for anything else.

Just get the phone to send the same details that your contactless card already does and if your bank issues contactless cards (so nearly everyone) you wouldn't need to wait for your bank to join in with Android Pay or Apple Pay.

Well Apple pay seems slightly more secure then android pay and contactless cards as you are required to authenticate each transaction with your finger print. With android pay you don't even need to unlock your phone to make the same purchase, so similar to normal contactless cards. Although I believe android pay uses tokenisation, I'm not sure how much that benefits the end user.

[alanwarwic]

The conversation is a bit schizo.

It was said that the bank sets the requirement, some insist on a device unlock action.

[jonmorris]

I've not tried paying with the screen merely on, but locked, as it times out after a few seconds and I can only imagine problems if it goes off before it has successfully connected.

There's no need to have a secure unlock of the phone if the banks aren't asking for it, any more than a normal CPC, but clearly for payments over £30 (or whatever the limit is set by the bank or merchant) you'll need to have a secure method - or not be able to use it at all.

[NathDogg]

I'm not sure if it's already been mentioned, but I see they are offering monthly incentives.

Quote:

http://www.mirror.co.uk/tech/android...onthly-7992236

To celebrate the launch, Google is launching a promotion called "Android Pay Day", which will reward users with special offers on the Tuesday before each month's pay day, "to make that last week just a little less painful".

Starting in June, Starbucks UK and Deliveroo will be among the first to reward Android Pay users with money-saving offers - and Google said more offers will roll out in the coming months.

[moox]

To add fuel to the "do you need it to be unlocked" fire: I didn't have to unlock my phone, using Nationwide. The screen had to be on but that's it

[moox]

Quote:

Originally Posted by Brian The Dog

So no more or less secure than a contactless card then.

So all we really need is a contactless card emulator app for both Android and iPhones and there would be no need for anything else.

Just get the phone to send the same details that your contactless card already does and if your bank issues contactless cards (so nearly everyone) you wouldn't need to wait for your bank to join in with Android Pay or Apple Pay.

Except that it shouldn't be possible to create a clone of the contactless part of the chip - that's the point. It'd be a pretty horrific security risk if you could.

So you'd still need co-operation and support from the bank to get the data that the phone needs to send. That is literally what Android Pay and Barclays' own abomination do!

[Cloudane]

Seems unlike Apple Pay it doesn't work in all contactless locations. Didn't work in B&M so had to use my card (contactless, same card). Interestingly though I did notice their contactless solution was implemented by Barclays...

[Aye Up]

Quote:

Originally Posted by sethpet

Barclays are adding NFC payments to their own mobile banking apps

No quite true, Android Pay is coming regardless of what the recent articles have said, been in testing for some time.

[Faust]

Quote:

Originally Posted by NathDogg

I've tested this a bit more on my galaxy s6 today. It appears that only the screen needs to be awake to make a purchase. My screen was awake, but the phone was locked and payment went through successfully.

I was always under the impression that this would be like apple pay, being that each transaction would need to be authenticated with a fingerprint or pass code.

So if you do happen to lose your phone, someone could potentially make purchases before you realise.

Something seriously wrong there then. The whole concept is that although you don't need to have the app open you do need to enter a passcode or finger code and unlock the screen before it will work.

I've used it twice today with my Z3 but it wouldn't work until I put in my screens pass code.

It looks as though some banks may go with Samsung and others with Android. No NatWest I'm afraid.

[Faust]

Quote:

Originally Posted by moox

To add fuel to the "do you need it to be unlocked" fire: I didn't have to unlock my phone, using Nationwide. The screen had to be on but that's it

Well I can't see my screen until I unlock it. Yes I can see the pin number pad but a payment will not go through until I key in the pass code to get to the home screen.

[NathDogg]

Quote:

Originally Posted by Faust

Something seriously wrong there then. The whole concept is that although you don't need to have the app open you do need to enter a passcode or finger code and unlock the screen before it will work.

I've used it twice today with my Z3 but it wouldn't work until I put in my screens pass code.

It looks as though some banks may go with Samsung and others with Android. No NatWest I'm afraid.

It seems that this is by design and is dependent on the bank. In my case it would seem any transaction under £30 doesn't require the phone to be unlocked. Any transaction over £30 though requires a finger print or pass code. I bank with Nationwide by the way.

[lamby]

Went to butcher who has contactless, spent £100, made sure my screen was unlocked, put the phone on the card reader. It didn't allow contactless.

[tealady]

Quote:

Originally Posted by Brian The Dog

So no more or less secure than a contactless card then.

So all we really need is a contactless card emulator app for both Android and iPhones.

You can make it more secure than contactless by only having NFC on when needed.

I don't see how an app would work, you might be able to use someone else's details which would be dodgy.

[Roush]

Quote:

Originally Posted by lamby

Went to butcher who has contactless, spent £100, made sure my screen was unlocked, put the phone on the card reader. It didn't allow contactless.

Payment terminals that haven't been updated to allow cardholder-verified contactless transactions above £30 will still enforce the limit.

[artnada]

I can now take Android Pay in my cab, on day 2 of the announcement. (Twas the same when ApplePay came out).
21st Century Cabbie

[jay sean]

I tested my android pay at the post office, tapped my phone when the screen was off, the phone screen switched on and vibrated and a green tick was on the screen